Does Your Car Color Affect Your Car Insurance Rates?

There can seem like an almost endless list of factors that can affect car insurance rates. Your age, driving record, make, model, and year of the car you drive, and where you live. Your credit rating will even impact your car insurance premiums.

What about the color of your car? Can that make a difference to how much you pay for car insurance?

The short answer is no. Unless you have an exotic orange Lamborghini or have a super custom paint job on a classic car, paint color will not affect your rates.

Your car color can affect you in other ways, however.

White cars, for example, are cooler than darker colored vehicles. This is why white cars are so popular in Southern states. White cars are also more prone to get pulled over and cited for traffic violations. This is not because of their color, however, but due to the fact that there are so many of them. That being said, white cars are said to be about 12 percent less likely to be involved in an accident than a black one.

A car color could impact its resale value. In this case, many experts say that an unusually colored car (yellow, green, gray, etc.) may actually improve the resale price over more common colors. There may be an overall smaller market for an orange pre-owned car, but the buyer may be willing to pay more.

If you are concerned about saving money on your car insurance, you don’t need to concern yourself about its color. You can, however, improve your driving record, drive a safer vehicle, and, most importantly, compare car insurance rates. Our independent auto insurance agents can help you accomplish that. They can connect with their network of insurance companies in search of the best value for your particular circumstances. The final choice is yours.

Getting started is as easy as making contact with us and answering a few short questions. It may take just a few minutes, but your savings can last for years.